Coles Mastercard

To apply for any of the Coles Mastercard products, you must be able to satisfy the following criteria:

• At least 18 years old.
• Permanent resident of Australia.
• Have a good credit rating.
• Earn over $25,000/year.

For more information about eligibility requirements, refer to the Coles Financial Services website.

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First, check whether you are eligible to apply for a Coles Mastercard. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online. Have your ID and income details handy, as well as your flybuys membership number (if you have one).

You can expect to receive a response in less than 60 seconds (Coles). In some cases, an instant response cannot be made and you will need to provide further information before the card can be approved; in this case, the card provider will contact you. You can check your application status at any time by calling 1300 306 397.

Once your card has been approved, you are immediately able to use the account number to pay for purchases or paying bills.

You can manage your Coles Mastercard using online banking or using the Coles Mobile Wallet app. Use these systems to do things like view your recent transaction history, view your balance, and more.

You can use the Coles Mobile Wallet app to manage your Coles Mastercard, view your transaction history for your Coles Mastercard, and view your flybuys points balance.

When interest is charged

Interest is calculated daily and charged monthly on the Coles Mastercard. Interest is charged when you carry a balance on your Coles Mastercard. Interest is charged on cash advances from the date of withdrawal (fees and charges apply) and balance transfers from the date of transfer.

When interest is not charged

Up to 55 interest-free days apply to Coles Mastercard purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).

Your credit limit for a Coles Mastercard will be determined based on the information you provide in your application and subject to credit criteria. Please note – the credit limit cannot be any lower than the product minimum.

You can close your Coles Mastercard account at any time by contacting Customer Support Team:

• Phone 1300 306 397 (within Australia) or +61 1300 306 397 (from overseas) (open 24 hours a day, 7 days a week)

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact the Customer Support Team to get help in making repayments.

If you are closing your Coles Mastercard because you’re not satisfied with it, consider your other options when it comes to credit cards:

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Coles began in 1914 as a discount store with the slogan “nothing over 2/6”. They branched out into financial services in the 21^st century.

Coles Financial Services was the first to market in Australia with a No Annual Fee credit card. Their products are underwritten by some of the biggest financial service providers in Australia.

Coles has more than 101,000 team members and they see 18 million transactions every week. Coles provides financial services, fresh food, groceries, general merchandise, and fuel to more than 20 million customers on average each week through its store network and online platform.

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